Travel insurance for visiting USA, Travel insurance for US citizens traveling to the US

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Covid Travel insurance for US citizens visiting USA, Travel insurance covering Covid 19

It is heartbreaking to hear of so many people stranded due to COVID-19. So many borders are closing and travel plans have had to be altered. At American Visitor Insurance, we are committed to getting you the best insurance coverage we can in these uncertain times. Of particular note, the company INF insurance which offers Covid 19 health insurance for US citizens visiting US. INF Insurance: offers two fixed benefit plans namely INF premier insurance and INF standard insurance and two comprehensive benefit plans namely INF Elite Network insurance and INF Traveler USA insurance with Covid19 coverage.In light of the coronavirus epidemic, INF is lifting this restriction on pre-existing condition coverage even if purchased after coming to the US.

Can US citizens purchase Covid19 American travel insurance that will cover them for coronavirus expenses for a trip into the US?

Yes. There are some Covid insurance for US citizens visiting USA that cover COVID-19 like any other illness. US citizens can use our search engine to compare USA travel insurance with covid coverage for US citizens visiting USA. They cannot be sick before the start of the policy for coverage to be valid (otherwise it will be considered pre-existing).

Please know we are here to help you make the best, informed decision to get COVID-19 medical insurance for US citizens living abroad visiting US! Let us know how we can assist you. Feel free to contact us by email or phone at any time.

Covid 19 travel insurance coverage for US nationals traveling to the United States

There are two insurance providers who offer short term Covid 19 travel health insurance for US citizens visiting USA.
  1. INF Insurance
  2. Global Underwriters
The following are the terms of Coronavirus travel insurance coverage offered by these two companies as Covid 19 travel insurance for US citizen traveling to USA.

INF US visitor travel insurance for coronavirus

INF insurance coverage for Coronavirus is straightforward. The coronavirus will be covered as per any new sickness in the policy since it is not explicitly excluded. Note that their plans only offer coverage in the US and Canada.

Global Underwriters

  • Diplomat America Insurance by Global Underwriters offers coverage for covid-19 as a new sickness. It is available for US citizens residing outside USA and travelling to the US.
  • Diplomat Long term Insurance must be bought for a minimum of 3 months and has a plan maximum options of $500,000 and $1,000,000 for medical expenses.
Pre-existing ailments are however excluded, which means that travelers infected before the plan effective date, will be considered as an pre-existing medica condition and will not provide coverage for that ailment.

Travel insurance for US citizens visiting USA, health insurance for us citizens visiting US

Travel Insurance for US citizens traveling to USA

Normally, insurers do not want to cover US citizens in the US because laws regarding domestic coverage are completely different than those which only cover short term travelers. If you are a US citizen, most policies will have you enter the US as your "home" country. If the US is your home country, then you will not be eligible for coverage in the US. However, two companies namely International Medical Group (IMG) and INF allow you to distinguish your "residence" country from your "destination" country while still entering your country of citizenship as US.

International Medical Group (IMG):
  • The Patriot America Plus plan is particularly good for persons under 70 years of age with pre-existing medical conditions that could become an unexpected emergency during their travels. This plan offers coverage up to the maximum of the plan for what is called "acute onset" of a pre-existing medical condition up to the maximum purchased for the plan. However, for persons over 70 or without such pre-existing medical conditions, the Patriot America plan has a greater option of maximums with better pricing.
  • Patriot America and Patriot America Plus are available for applicants currently residing outside US, must have resided outside US continuously for the past 6 months and must have a current health plan in force.
INF insurance:
Non-US Residents who are visiting the United States but are US Citizens can enroll in an INF plan.
NOTE: If the non US residents (who are US citizens) are in transition to move back to the US until the end of the year (domestic plan enrollment) or employer plans kick in, then these plans cannot be used as a gap insurance for US Citizens.
Following are the list of US travel insurance plans:

Compare travel medical insurance for US citizens visiting USA

Age
Spouse
Start Date
End Date

INF Standard

Plan Maximum
Deductible
Pre - existing Condition
Not covered
Patriot America Plus
Plan Maximum
Deductible
Pre - existing Condition

INF Traveler USA

Plan Maximum
Deductible
Pre - existing Condition
Not covered
brochure  Brochure & Details links
» INF Standard Plan Insurance Brochure
» INF Standard Plan Insurance Details
More benefits
» Patriot America Plus Insurance Brochure
» Patriot America Plus Insurance Details
More benefits
» INF Traveler USA Insurance Brochure
» INF Traveler USA Insurance Details
More benefits

US travel insurance for US citizens visiting USA

Are you a US citizen and living outside the United States? You might be in a conundrum as well as medical insurance coverage when you are visiting the US? This is because travel insurance plans or health medical insurance plans that are usually meant to cover people traveling outside their home country. In this context, one assumes that US citizens live in the United States. Therefore we see the brochure has the eligibility wording stating "US citizens traveling outside US" or "Non US citizens coming to the US or any other country"... This sadly excludes US citizens who live overseas and want to visit the US.

However as we know well, there are many US citizens who live, work or study overseas. They visit the US for a short period of time during holidays, Christmas, Thanksgiving, vacation, visiting family and friends…and at the end of the short period of time they go back to the country that they live in. Some travel insurance companies assume that US is the home country for US citizens regardless of where they live. The insurance plans offered by these companies do not satisfy the need of US citizens visiting the US. In this situation even US domestic health insurance companies do not help as they offer short term insurance only for US residents and for longer time periods like 3 months, 6 months, 1 year or 2 years.

However there are some popular US travel insurance plans that offer best medical insurance for USA citizen visiting to USA for a short term. These plans are available to them as long as they are temporarily visiting US and are returning to their home country outside the US.

US citizens viviting USA

Travel medical insurance for Puerto Ricans visiting mainland United States

Most residents of Puerto Rico are US citizens, and as US citizens traveling to the US, the available insurance options are extremely limited. One of the best available option is the Round Trip Series offered by Seven Corners. The Round Trip Series offers three levels of coverage: Economy, Choice, and Elite.

Puerto Ricans can insure trips abroad as well as away from home in the US. The Round Trip insurance covers travelers while on the trip as well as protection for a set amount of non-reimbursed expenses for your trip. Puerto Ricans can choose a low amount to insure if the primarily need is for health coverage during the trip. The Round Trip plan also have pre-existing condition coverage; please see the details for each level of the plan. You can compare the SevenCorners Round Trip plans here.

Trip Cancellation Insurance for U.S. Citizens and Residents

Trip Cancellation Insurance protects your trip investment expenses against trip cancellation. A trip or a vacation involves a lot of planning and cost of bookings for flights, hotel reservations, cruise cost… Should something happen that you need to cancel the trip leading to financial crisis. Some bookings and reservations may not be refundable that’s when a Trip cancellation will protect your expenses. Buying a good trip cancellation insurance is necessary to have a hassle free trip. Other coverage that it offers are trip interruption, loss of baggage, loss of passport, medical expenses..

Trip cancellation insurance - Cancel for any reason (CFAR)

Most travelers often plan a trip or vacation well ahead of time. A planned trip involves expensive airline tickets, hotel reservations and cruise bookings. Due to the Coronavirus (Covid 19) outbreak, CDC, WHO or other government agency have issued travel alert to not visit a few countries. This is a serious condition that may force a traveler to cancel travel plans made in advance. The Trip Cancellation insurance with the "Cancel for any reason" benefit comes to your rescue. The travelers can cancel their expensive ticket bookings, hotel reservations and other expenses using this benefit.

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Trip cancellation insurance will help to receive majority of the trip investment expenses spent on a vacation. Most of trip cancellation insurance plans also cover emergency medical expenses and accidental injuries. Therefore it is advisable to buy the Trip Cancellation insurance with "cancel for any reason" while planning a trip or a vacation. You can use our compare trip insurance quotes to review quotes of trip cancellation insurance plans.

Travel Insurance Select Trip cancellation insurance for Covid-19

The Travel Insurance Select plan does not have a specific Trip Cancellation or Trip Interruption peril tied to a CDC Warning. Therefore, the main eligible coverages would be:
  • A person traveling in an affected country who becomes ill, in which case emergency medical expense or emergency medical evacuation coverage may apply, or
  • Cancel For Any Reason (CFAR) – this option must be purchased as an upgrade within 21 days of your initial trip deposit/payment. Other conditions apply – see plan details.
Crum & Forster considered this to be a foreseen event on 01/23/2020.

Popular trip cancellation insurance plans

Travel Lite | Travel SE | Travel LX | Round Trip | Round Trip Elite | Round Trip Economy | Round Trip Choice | Travel Insurance Select
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